alternatives to paypal

I'm not seeing alternative providers that offer equivalent services...I think most of us use F+F to avoid fees, and probably are transacting less than $200 at a time? Does that seem like the typical use-case?

Zelle seems best for small transactions, no fees, but no protection. These are direct ACH (bank-account to bank-account) transactions.
Venmo is a similar service, higher profile...but owned by paypal.

Cashapp is a popular service that I need to read more about...but its own by Jack Dorsey (lol).

Wise.com seems to be feature-rich, and very upfront about fees. It might be a solution for large purchases.